Bill Distribution Or Payment Patents (Class 705/40)
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Patent number: 11526486Abstract: Techniques are disclosed relating to determining a predicted time interval for querying a database beginning at a starting point in time to retrieve a specified number of records. A computer system receives a request for records from a database that stores timestamped records, where the request is for a specified number of records beginning at a starting point in time. The computer system then determines a predicted time interval for querying the database beginning at the starting point in time to retrieve the specified number of records, where the predicted time interval may be determined by a machine learning module that is trained using historical database transaction data. Such techniques may advantageously improve the efficiency of individual queries in fetching a desired amount of data from a database for applications.Type: GrantFiled: April 8, 2020Date of Patent: December 13, 2022Assignee: PayPal, Inc.Inventors: Vijayalakshmi Dharmalingam, Rushik Navinbhai Upadhyay, Suraj Belavalgidad, Nikhil Rao, Chaitanya Maddipati, Meng Shi, Venkatesan Thirunaukkarasu
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Patent number: 11526867Abstract: In an example embodiment, a method for push payment decision routing in relation to a transaction is provided. An example method comprises issuing a virtual payment identifier to a mobile device and receiving payment rules from a mobile device. The user-defined rules include parameters for invoking at least one push payment to be made via the virtual payment identifier for the transaction. Instructions to implement or pay for the transaction as a pull payment are received and, based on the rules, the transaction is completed or paid for a push payment.Type: GrantFiled: February 28, 2019Date of Patent: December 13, 2022Assignee: Stripe, Inc.Inventors: Michael David Dahn, Eduardo Serrano
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Patent number: 11528339Abstract: Aspects described herein relate a computer system detecting an unusual activity event from activity data and sending a two-way notification message to a wireless device when a user has opt-in for a mobile application. The two-way push notification message is received at a wireless device and notification information is displayed at the wireless device outside the mobile application. The user selects one of the displayed action buttons to indicate whether the unusual activity event is valid or invalid. When a response to the computer system indicates that the unusual activity is valid, the computer system clears the inquiry and sends a subsequent push notification message to the wireless device informing the user. When the response indicates that the unusual activity is invalid, the computer system and the wireless device may establish an interaction through the mobile application in order to resolve the unusual activity event.Type: GrantFiled: July 16, 2021Date of Patent: December 13, 2022Assignee: Bank of America CorporationInventors: John David Welsh, Elliot Piatetsky, Andrew Scott Humm, Dana Michele Meadows, Amy Heather DeLeon
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Patent number: 11521249Abstract: In an example embodiment, a payment processor automatically generates a virtual account number that can be used by customers to perform push payments, such as ACH, wire transfer, and direct deposits. This virtual account number may be surfaced to customers via invoices sent by service or product providers. The payment processor is then able to automatically match the payment sent to the virtual account number and the amount owed on the invoice.Type: GrantFiled: February 20, 2020Date of Patent: December 6, 2022Assignee: Stripe, Inc.Inventors: Tara Seshan, Clinton Carjoel Blackburn, Victoria Martinez
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Patent number: 11519967Abstract: The present disclosure relates to a battery test system for a vehicle that includes a camera configured to capture an image of a vehicle identification number located on the vehicle, the camera being coupled to a processor which determines characters of the vehicle identification number from the image of the camera and correlates the characters of the vehicle identification number to a vehicle identification number database to receive battery parameters for the vehicle, a battery tester that is removably connected to terminals of a battery of the vehicle and configured to receive battery test results, and a display which conveys information relating to the battery parameters and the battery test results.Type: GrantFiled: October 7, 2020Date of Patent: December 6, 2022Assignee: CPS Technology Holdings LLCInventors: Michael R. Carlo, Dale A. Gospodarek
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Patent number: 11521212Abstract: A gateway is provided for controlling transfer of electronic messages between a financial institution and a transaction processing system comprising a plurality of switches. The gateway includes communication circuitry operable to receive an electronic message issued by the financial institution and processing circuitry operable to determine whether the electronic message includes enough information for a switch of the transaction processing system to process the electronic message. In response to the electronic message including enough information, the communication circuitry is further operable to transmit the electronic message over a data communications network for storage in a message queue unit associated with the transaction processing system for subsequent processing by the switch. In response to the electronic message not including enough information, the communication circuitry is operable to return the electronic message to the financial institution.Type: GrantFiled: March 26, 2021Date of Patent: December 6, 2022Assignee: IPCO 2012 LIMITEDInventors: Steven George Garlick, Neil Antony Masters
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Patent number: 11521184Abstract: An apparatus, method, and computer program product for generating a unified digital check register are provided. An example method includes receiving, by input/output circuitry, check data and determining, by check evaluation circuitry, whether the received check data corresponds to a digital check or a physical check. In response to determining that the received check data corresponds to a digital check, the method includes generating digital check data based on the received check data. In response to determining that the received check data corresponds to a physical check the method includes generating physical check data based on the received check data. The method further includes inserting, by registry management circuitry, any generated digital check data with any generated physical check data into a unified check dataset, and curating, by the registry management circuitry, a unified digital check register using the unified check dataset.Type: GrantFiled: July 14, 2020Date of Patent: December 6, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Raziq Yaqub, Andrew J. Garner, IV
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Patent number: 11521186Abstract: A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.Type: GrantFiled: August 21, 2018Date of Patent: December 6, 2022Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
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Patent number: 11521264Abstract: Systems as described herein may visualization interest charges based on payment options. Transaction information associated with a plurality of recurring payment accounts may be received. A calendar view displaying an aggregated daily balance and an aggregated interest charge may be generated. Upon receiving a transaction request with a transaction amount, a projected aggregated daily interest charge may be generated in real-time. After detecting that the projected aggregated daily interest charge exceeds a threshold amount, an alert associated with the calendar view may be generated to recommend an alternative payment method to a user device.Type: GrantFiled: May 14, 2020Date of Patent: December 6, 2022Assignee: Capital One Services, LLCInventors: Afna Kanhirothan Poilil, Eric K. Barnum, Seshu Pitcha
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Patent number: 11514491Abstract: According to some embodiments, an invoice data store contains electronic records for invoices associated with customers and an enterprise. An electronic invoicing system computer server may receive invoice data (associated with a customer of the enterprise) from remote invoice platforms, and the server may create invoice documents in first and second formats based on information in the invoice data store. It may be determined that the invoice documents represent “work in process” and, as a result, the system may prevent the invoice documents from being transmitted to a customer device. An adjustment to the invoice document in an intermediate format is received and the invoice document in at least one of the first and second format is automatically updated. When it is later determined that the invoice documents no longer represent “work in process,” the system electronically transmits the invoice documents to the customer device.Type: GrantFiled: May 9, 2022Date of Patent: November 29, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Cynthia D Finley, Linda L. Ternullo, Manuela Panno, Antonio Jorge, Benjamin D. Arunski, Lakshmi Elango, Mary N. Udeh, David S. Fuller, John J Sedor
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Patent number: 11513750Abstract: An example of an apparatus includes a network interface to receive print data from a device, the print data associated with a first subscription service. The apparatus also includes a memory storage unit to store the print data including a database of subscription services, wherein the database of subscription services includes the first subscription service and a second subscription service. In addition, the apparatus includes a subscription manager to manage the database of subscription services. The subscription manager deducts print credit from a first subscription service account based on the print data. The apparatus includes a selection engine to select a printing device for the print data, wherein the printing device is associated with the second subscription service.Type: GrantFiled: April 30, 2018Date of Patent: November 29, 2022Assignee: Hewlett-Packard Development Company, L.P.Inventor: Benjamin Hoopes
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Patent number: 11514528Abstract: A machine learning process for use with a pharmacy benefits management system. The machine learning process identifies a first predicted set of drug benefit claims impacted by a pricing error, reprices a sample of the first predicted set of drug benefit claims to adjust for the error, and trains a predictive model as a function of the repriced sample. Based on the trained model, the machine learning process predicts a second predicted set of drug benefit claims impacted by the error and initiates automatic repricing.Type: GrantFiled: June 20, 2019Date of Patent: November 29, 2022Assignee: Express Scripts Strategic Development, Inc.Inventors: John Ciliberti, Amit Gollapudi, Richard Ball
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Patent number: 11514282Abstract: Systems and methods are described that facilitate parallel processing of PDF documents for printing, wherein the PDF documents comprise transparency effects. Transparent objects in the PDF document are identified, and the document is divided into subgroups of pages. The transparency objects are then flattened to enable conversion to PostScript format. The PostScript pages are processed and rendered to raster for printing.Type: GrantFiled: March 24, 2021Date of Patent: November 29, 2022Assignee: XEROX CORPORATIONInventors: Lee Coy Moore, Edward Chapman
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Patent number: 11508054Abstract: A remotely-controlled (RC) and/or autonomously operated inspection device, such as a ground vehicle or drone, may capture one or more sets of imaging data indicative of at least a portion of an automotive vehicle, such as all or a portion of the undercarriage. The one or more sets of imaging data may be analyzed based upon data indicative of at least one of vehicle damage or a vehicle defect being shown in the one or more sets of imaging data. Based upon the analyzing of the one or more sets of imaging data, damage to the vehicle or a defect of the vehicle may be identified. The identified damage or defect may be compared to a claimed damage or defect to determine whether the claimed damage or defect occurred.Type: GrantFiled: October 14, 2020Date of Patent: November 22, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Ryan Knuffman, Bradley A. Sliz, Lucas Allen
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Patent number: 11501344Abstract: A system and method for deconstructing a document is described herein, where the method is an improvement over existing document deconstruction techniques. These improvements increase speed and accuracy by rapidly identifying the vendor in an invoice by splitting the invoice into three regions and performing a perceptual image hashing on each section. Then a hamming distance is used to compare the hash for each section with the hashes of known invoices to identify the vendor who sent the invoice.Type: GrantFiled: October 14, 2019Date of Patent: November 15, 2022Assignee: Bottomline Technologies LimitedInventors: Mitchell Ransom, Shane O'Hara
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Patent number: 11494745Abstract: The technology described includes a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds). In some embodiments, each click can cause a small, pre-set increment of money to be transferred from a user's checking account to the user's savings account. In other embodiments, the user can hold the button down for a longer period of time, indicating a request for a larger amount of money to be transferred.Type: GrantFiled: September 25, 2020Date of Patent: November 8, 2022Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventors: Fernando Sanzzi, Jon Jureczki, Marty Lee Mendivil, Ingeborg Nolf Burch, Vikram Randhir Parekh, Christine Catsifas, Meagan Marie Trahan, Jess W. Gingrich
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Patent number: 11488132Abstract: A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate.Type: GrantFiled: May 25, 2021Date of Patent: November 1, 2022Assignee: Worldpay, LLCInventor: Coy A. Christensen
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Patent number: 11488251Abstract: Various examples described herein are directed to systems and methods for managing multi-party transactions. A payment management system may receive a premium payment message from a user computing device. The premium payment message may describe a premium payment towards a health insurance policy held by a user of the user computing device. The payment management system may initiate a deposit of the premium payment to a premium account associated with the user. The payment management system may also receive a payment instruction from a payer system of a payer associated with the health insurance policy. The payment management system may select a first patient payment source and initiate a transfer of a payment amount to a provider.Type: GrantFiled: March 12, 2019Date of Patent: November 1, 2022Assignee: Wells Fargo Bank, N.A.Inventor: Jason Robert Birgenheier
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Patent number: 11488217Abstract: A method for managing payments made as part of an employee-liable expense reimbursement program is described. A plurality of employees are enrolled in the program and submit requests for reimbursement for expenses related to a service provided to the employees by a service provider for which the employees are liable. The method includes receiving, by the computer system, requests for reimbursement and aggregating the requests for reimbursement scheduled for payment within a predefined time period and associated with the service provider. The method also includes generating an invoice that includes a payment amount to be paid to the employee for subsequent payment to the service provider. The method also includes automatically requesting funds from an employer of the plurality of employees for the payment amount included in the invoice and electronically transferring funds associated with the employer to the service provider or alternatively, to the employee for subsequent payment to the service provider.Type: GrantFiled: October 15, 2020Date of Patent: November 1, 2022Assignee: Cass Information Systems, Inc.Inventors: Carl N. Friedholm, Angela Melissa Taylor
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Patent number: 11488260Abstract: Systems (and associated methods) for reducing a number of asset transfers between holdings institutions in order to balance accounts are disclosed herein. Such systems may include one or more data centers; a hierarchy of processors comprising at least a level one level having a plurality of level one processors and a level two level having one or more level two processors, each level one processor in the hierarchy in communication with a level two processor in the hierarchy; and a plurality of holdings institutions each in communication with a first level one processor of the plurality of level one processors, each of the plurality of holdings institutions having one or more accounts comprising assets. The holdings institutions, the processors, and the data centers may each perform balancing determinations at their level in the system upon receipt of a report of one or more to balancing determinations made by lower level entities in the system.Type: GrantFiled: November 23, 2020Date of Patent: November 1, 2022Assignee: SAYVES LLCInventor: James Biorge
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Patent number: 11487749Abstract: A Blockchain ecosystem for verifying and maintaining integrity of data transactions based on distributed ledger. The system comprises: 1.) a decay control mechanism; 2.) a remote execution mechanism; and 3.) a security cryptographical key management sub-system.Type: GrantFiled: May 30, 2019Date of Patent: November 1, 2022Assignee: Aenco Technologies LimitedInventors: Geoffrey Tipton, Darren Wang Yip Lui, Ian Chung Yuen Huen
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Patent number: 11488122Abstract: A system and method are provided for transferring money from a sender to a receiver. According to the method, non-private identifying information is received. The non-private identifying information is used to determine the identity of the receiver, and an indication is received of an amount of money to be transferred from the sender to the receiver. An account of the sender is debited and an account of the receiver is credited based on the amount of money to be transferred.Type: GrantFiled: June 13, 2016Date of Patent: November 1, 2022Inventors: Antony J. H. Diamond, Eric Alan Wilson
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Patent number: 11488171Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a risk management method are provided. One of the methods includes: determining a candidate verification mode set comprising one or more candidate verification modes for a target event; determining output weights for at least some of the verification modes in the candidate verification mode set; and selecting a verification mode for risk management of the target event from the candidate verification mode set based on the output weights. In this method, multiple factors, such as risk type, device type, user preference, are taken into consideration in an quantification process when selecting a verification mode. Thus this method avoids excessive reliance on subject understanding of a transaction, improves the robustness of risk management against unauthorized transactions, and reduces unnecessary interference to authorized transactions.Type: GrantFiled: August 8, 2019Date of Patent: November 1, 2022Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Tianyi Zhang, Man Long
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Patent number: 11481782Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to receive data relating to a transaction made by the user, compare the received data to a set of data associated with the user, determine whether the data relating to the transaction deviates from a set of data associated with the user by more than a threshold value, and send an alert message to a user device associated with the user when the processor determines that the data relating to the transaction deviates from the set of data associated with the user by more than the threshold value.Type: GrantFiled: July 20, 2020Date of Patent: October 25, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Robert Rowley, Philip Kim, Joseph Whitchurch
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Patent number: 11481838Abstract: In an example, a computer-implemented method includes determining a set of permissions that specifies types of account data of one or more financial accounts to share with a third-party, the one or more financial accounts being associated with a user and held by a financial institution, and generating authorization data that authenticates the third-party and authorizes the third-party to access the types of account data specified by the set of permissions. The method also includes transmitting the authorization data to the third-party, receiving a request for authorization that includes the authorization data and a request for account data of the one or more financial accounts that conforms to the types of account data specified by the set of permissions, authorizing the third-party based on the authorization data, and transmitting the account data that conforms to the types of account data specified by the set of permissions.Type: GrantFiled: June 18, 2020Date of Patent: October 25, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Traci Nguyen, Lila Fakhraie, Anthony Burton, Alyce F. Thornton, Ravi Thota, Meghan E. Butler
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Patent number: 11481822Abstract: An improved invoice management product may include an invoice hub server and an invoice database, and may receive data including one or more invoices, transmit one or more invoice records to an invoice database, identify one or more invoice records for expedited processing, transmit a request to issue an advance payment to a supplier associated with one or more supplier identifiers associated with the one or more invoice records, and transmit a notice to a customer. An Invoice Hub server may receive data comprising one or more invoices, create one or more invoice records based on the one or more invoices, transmit the one or more invoice records to an invoice database, identify one or more invoice records for expedited processing, transmit a request to issue an advance payment to a supplier, and transmit a notice to a customer associated with the one or more invoice records.Type: GrantFiled: August 21, 2019Date of Patent: October 25, 2022Assignee: Capital One Services, LLCInventors: Eric Lowell, Brandon Walsh, Meredith Van Voorhis, Paola Thurlow, Sehyoung Myung, Qiang Xue, Heather Aller, Kristofer Johnson, Michael Baird Beers, Chad Fisher, Mark Lareau, Karthik Kaimal, Victor Mayaki
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Patent number: 11481743Abstract: A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.Type: GrantFiled: July 15, 2019Date of Patent: October 25, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ellen Moskowitz, Sebastien Galperti, Chhomthyda Chhuan, Sriram Iyer, Patricia Ryan
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Patent number: 11474047Abstract: A non-transitory computer-readable recording medium recording an image processing program that causes a computer to execute processing of: specifying a damaged portion by analyzing a captured image of a construction; and predicting, in the captured image, a range to which damage spreads based on the specified damaged portion and design data associated with the construction.Type: GrantFiled: June 10, 2020Date of Patent: October 18, 2022Assignee: FUJITSU LIMITEDInventors: Yusuke Nakanishi, Hideyuki Kikuchi, Hiroshi Yamagami
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Patent number: 11475900Abstract: The present disclosure is generally directed to increasing the scalability of onboarding network resources, such as a digital component, to a voice-based network. The system enables the navigating of and interaction with digital components using voice or speech input and output interfaces on a computing device. The system can receive and processes an input audio signal to identify a digital component. The system enables voice-based interaction with the previously unregistered digital component via the input and output interfaces.Type: GrantFiled: February 3, 2020Date of Patent: October 18, 2022Assignee: GOOGLE LLCInventors: Sriram Bhargav Karnati, Varun Soundararajan
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Patent number: 11475512Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.Type: GrantFiled: February 8, 2018Date of Patent: October 18, 2022Assignee: The Toronto-Dominion BankInventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
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Patent number: 11470505Abstract: A method for linking Packet Detection Rules (PDRs) for optimizing throughput of combined Serving Gateway (SGW)/Packet Gateway (PGW) architecture is disclosed. In one embodiment the method includes, determining a SGW and a PGW are co-located on a system and when the SGW and PGW are co-located on a same system then performing a Packet Forwarding Control Protocol (PFCP) session lookup for an uplink packet at the SGW; determining which PDR to use for sending the uplink traffic; using the PDR to remove any tunneling protocol header; checking the PDR to determine if the next hop is local; when the next hop is local, then finding the PGW PDRs for this FTEID; identifying a PGW PDR matching with the current packet; performing any packet encapsulation; and after performing any optional header checksum calculations, sending the packet.Type: GrantFiled: August 31, 2020Date of Patent: October 11, 2022Assignee: Parallel Wireless, Inc.Inventors: Ganesh Jaju, Ketan Parikh, Nikhil Agarwal
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Patent number: 11469905Abstract: A communication method is used in a communication system that includes a plurality of nodes. Two or more authentication nodes among the plurality of nodes respectively receive account information of a user and a public key of the user from the user. The two or more authentication nodes respectively transmit a massage that indicates the account information is correct and the public key of the user to the plurality of nodes when it is decided that the account information is correct. Each of the plurality of nodes registers the public key of the user in a public key list that stores public keys of users who have been allowed to participate in the communication system, when detecting according to messages received from other nodes that a specified number of authentication nodes or more have decided that the account information is correct.Type: GrantFiled: October 30, 2019Date of Patent: October 11, 2022Assignee: FUJITSU LIMITEDInventor: Dai Suzuki
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Patent number: 11468499Abstract: The disclosed system and methods adjust one or more parameters affecting the purchase of one or more items and change a buyer interface in order to display the consolidated parameter to a buyer. Example embodiments include a machine-implemented method for detecting an edit to the shopping cart, conducting a complex parameter editing simulation based on data accessed from multiple databases, adjusting a parameter associated with an item in the shopping cart, and adjusting and displaying a cart total to the buyer. The system can further receive an indication to checkout the shopping cart and edit complex parameters during checkout accordingly.Type: GrantFiled: February 11, 2020Date of Patent: October 11, 2022Assignee: EBAY INC.Inventors: Sailendra Reddy, Raphael Tsow, Scott Sharp
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Patent number: 11461759Abstract: A method is provided for communication by a mobile telecommunication device. The method comprises detecting, by the mobile telecommunication device, an input related to an advertisement displayed on the mobile telecommunication device and associated with an online merchant. The method further comprises, responsive to detecting the input, transmitting, by the mobile telecommunication device, to the online merchant, a token stored in a memory location in the mobile telecommunication device, wherein the token contains information for facilitating a transaction between the mobile telecommunication device and the online merchant.Type: GrantFiled: May 24, 2018Date of Patent: October 4, 2022Assignee: Sprint Communications Company L.P.Inventors: Michael A. Gailloux, Lauren R. King
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Patent number: 11461765Abstract: The present disclosure relates to an account system for optimizing transactions for a user. In one implementation, the system may include at least one processor and a storage medium storing instructions that, when executed, configure the at least one processor to perform operations. The operations may include receiving, from the merchant system, merchant information for the transaction, retrieving, based on the account number, a database record from a database, the database record comprising the plurality of financial accounts associated with the user and user preferences, determining financial account data associated with each of the plurality of financial accounts, determining, using an optimization algorithm, a preferred financial account from the plurality of financial accounts based on the financial account data, the user preferences, and the merchant information, and selecting, based on the determination, the preferred financial account to complete the transaction.Type: GrantFiled: March 4, 2020Date of Patent: October 4, 2022Assignee: Capital One Services LLCInventor: Austen Novis
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Patent number: 11461839Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.Type: GrantFiled: December 9, 2019Date of Patent: October 4, 2022Assignee: AMERICAN EXPRESS KABBAGE INC.Inventors: Robert Frohwein, Kathryn Petralia
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Patent number: 11455651Abstract: A content publisher may transfer an impression token value to a user in response to the content publisher displaying an advertisement for a merchant to the user. The content publisher may record the transfer on a zero knowledge blockchain. The merchant may transfer a conversion token value to the user in response to the user making a purchase from the merchant. The merchant may record the transfer on the zero knowledge blockchain. The user may transfer the impression token value and the conversion token value to a measurement company. The measurement company may calculate attribution and lift results for the advertisement.Type: GrantFiled: April 16, 2019Date of Patent: September 27, 2022Assignee: Meta Platforms, Inc.Inventor: Andrew Knox
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Patent number: 11455692Abstract: A system for calculating estimated Social Security benefits for married couples. The system includes a benefits estimator server configured to automatically update to reflect a change in rules regarding a calculation of Social Security benefits; a rules database separate from but coupled to the benefits estimate server via a network; and a calculator configured to receive input data and to receive social security calculation rules from the rules database and further configured to transmit output data, via the benefits estimator server, based on the input data and the social security calculation rules, wherein the input data includes data regarding a primary earner and a secondary earner in the married couple, including an assumed age of death for the primary earner and an assumed age of death for the secondary earner, and wherein the output data includes benefits for a plurality of Social Security benefits categories for the married couple.Type: GrantFiled: May 5, 2020Date of Patent: September 27, 2022Assignee: BLACKROCK, INC.Inventors: Connie Nichols, Courtney Golisano
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Patent number: 11455604Abstract: In some examples, a financial transaction is effectuated between first and second users of a payment service system. The payment service system receives, from the first user, a request for a first payment proxy identifier for the first user, and receives from the second user, a request for a second payment proxy identifier for the second user. The payment service system generates the payment proxy identifiers with a currency indicator prefixing one or more alphanumeric characters. The payment proxy identifiers enable the payment service system to identify the financial accounts of the respective users in lieu of payment card mechanisms. The payment service system receives a message from the second user indicating a money transfer request, initiates a transfer of funds from an account of the second user to an account of the first user, and sends an email message to the first user indicating the transfer of funds.Type: GrantFiled: April 1, 2022Date of Patent: September 27, 2022Assignee: BLOCK, INC.Inventors: Brian Grassadonia, Jesse Wilson
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Patent number: 11455613Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.Type: GrantFiled: November 30, 2018Date of Patent: September 27, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Sabitha Dachepalli, Remo DeLeon, Peter Rozovski
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Patent number: 11451384Abstract: Systems, devices, and methods for controlling access to vehicles in rental, loaner, shared-use, and other vehicle fleets. Some of the present systems, devices, and methods use encrypted virtual keys that can be relayed to a vehicle computing device via a user's mobile device. Such virtual keys can be command-specific such that successful use of a virtual key results execution of a predetermined command or group of commands, and further commands require one or more additional virtual keys with the additional commands. Others of the present systems, devices, and methods provide tools: for provisioning or initial pairing of vehicle computing devices with corresponding vehicles, identifying and permitting a user to select locally available vehicles, prompting vehicle computing devices to retrieve pending commands from a server, and/or various other functions described in this disclosure.Type: GrantFiled: February 20, 2019Date of Patent: September 20, 2022Assignee: DEALERWARE, LLCInventors: Allen Darnell, Matt McMillan
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Patent number: 11449922Abstract: A method of providing a personalized payment option for a user includes (a) receiving billing information from a merchant server associated with a merchant, (b) obtaining one or more rules associated with the merchant, (c) obtaining one or more offers associated with one or more payment options associated with the user and a plurality of preferences associated with the user, (d) computing a reward associated with each of the one or more payment options based on the one or more offers, the billing information, the plurality of preferences, and the one or more rules, and (e) providing at least one recommended payment option among the one or more payment options based on the computed reward associated with each of the one or more payment options.Type: GrantFiled: November 20, 2020Date of Patent: September 20, 2022Assignee: TOSHIBA TEC KABUSHIKI KAISHAInventor: Raison Chacko
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Patent number: 11449859Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to enabling a recipient to choose a mode of redeeming the gift credit. A method can include receiving an identification, from a giver of a credit, of a recipient and a spending category associated with a notice, transmitting the notice to a device associated with the recipient, receiving a selection from the recipient regarding a payment mode to be used to redeem the credit from the giver by making a purchase according to the spending category, linking the payment mode to a policy associated with redeeming the credit, monitoring purchases using the payment mode of the recipient for a qualified purchase according to the spending category, receiving an indication that the qualified purchase was made using the payment mode and, based on the indication of the qualified purchase, applying the credit to the recipient.Type: GrantFiled: December 14, 2020Date of Patent: September 20, 2022Assignee: GIFTYA LLCInventors: Thomas M. Isaacson, Ryan C. Durham, Jason Wolfe, Patrick Ledbetter, Adam Ludwig
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Patent number: 11449841Abstract: A system for Augmented Reality (AR) document realization receivers a request to transfer an amount of an AR document into account of a receiver. The AR document comprises an AR check. The system fetches a first AR check image from a memory. The system extracts a first set of features from the first AR check image. The system receives a second AR check image from a computing device associated with the receiver. The system extracts a second set of features from the second AR check image. The system compares the first AR check image with the second AR check image. The system determines whether the first AR check image corresponds to the second AR check image. In response to determining that the first AR check image corresponds to the second AR check image, the system transfers the amount into the account of the receiver.Type: GrantFiled: April 15, 2021Date of Patent: September 20, 2022Assignee: Bank of America CorporationInventors: Anantharajan Srinivasarangan, Deepak Suresh Dhokane, Rakesh Kumar Jain, Ananth Subramanian, Kiran Pulla
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Patent number: 11449779Abstract: Some embodiments of the present disclosure may relate generally to software-based service platforms and graphical user interface (GUI) architectures for determining and presenting rule-based conclusions, along with explanations identifying the factor or factors influencing the conclusions. Other embodiments may be disclosed and/or claimed.Type: GrantFiled: May 15, 2020Date of Patent: September 20, 2022Assignee: AVALARA, INC.Inventors: Naveen Kumar Agrawal, Marshal Kushniruk, Mark Wilhelm, Aaron David Wilson
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Patent number: 11443305Abstract: Various embodiments are directed to the centralized processing of data from multiple sources and/or augmenting the data with contextual data from multiple sources across different accounts and systems. Embodiments disclose a context augmentation module to supplement and aggregate data from multiple sources, extrapolate contextual data, and augment the data with the contextual data on transactions conducted by a user. By gathering data from multiple sources associated with the user, contextual data may be extrapolated and can be applied to incoming transaction data about a transaction conducted by the user. The contextual data may also be applied to classify the transaction data, increasing the total number of transactions as well as contextualizing the ones with additional corresponding data.Type: GrantFiled: August 3, 2018Date of Patent: September 13, 2022Assignee: THE BEANSInventors: Matthieu Tourne, Melissa Pancoast, Danton Rodriguez
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Patent number: 11443325Abstract: A payment network server for processing an electronic commerce (e-commerce) transaction initiated by a customer is described.Type: GrantFiled: September 5, 2019Date of Patent: September 13, 2022Assignee: Mastercard International IncorporatedInventors: Manu Dharmaiah Kallugudde, Satya Sudipta Padhiary
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Patent number: 11443298Abstract: A system for updating a stored value card comprising a transaction device for receiving a request to update the stored value card; a transaction manager arranged in data communication with the transaction device; the transaction manager operable to process the request to update the stored value card; a clearing house arranged to receive processed request from the transaction manager and create a pending transaction status; and a stored value updater network operable to receive the stored value card and thereafter retrieve an identifier of the stored value card; the stored value updater network further operable to retrieve the pending transaction status from the clearing house; wherein upon successful verification of the pending transaction status and the stored value card, the stored value updater network updates the stored value card.Type: GrantFiled: September 14, 2015Date of Patent: September 13, 2022Assignee: EINNOVATIONS HOLDINGS PTE. LTD.Inventor: Rodrigo S. Salvador
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Patent number: 11433798Abstract: An article storage system includes a moving object configured to house an article and move on a road, and a server configured to manage information of the moving object and information of a user who uses the moving object, store user identification information for identifying the user and moving object identification information for identifying the moving object used by the user in association with each other, acquire a request from the user relating to housing of the article in the moving object or take-out of the article from the moving object, and when the request from the user is acquired, specify the moving object to be used by the user based on the user identification information and the moving object identification information and perform control such that the specified moving object moves from a predetermined place on the road to a place that is different from the predetermined place.Type: GrantFiled: January 25, 2019Date of Patent: September 6, 2022Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHAInventors: Yusuke Kaneko, Masato Endo, Shinji Sassa, Takahiro Shiga, Yohei Tanigawa
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Patent number: 11430047Abstract: On the basis of a detected change in the display state of the product and of a person included in the captured image or a person whose in-store flow line has been detected, a rearrangement detection means 820 detects that a product has been returned to a different location than the location from which the product was taken. A shopping list generation means 830 uses shelving information on a product shelf to specify a product for which there has been detected a change in the display state that is a result of the person having picked up the product, performs a registration process for registering the specified product on a shopping list that corresponds to the person, and performs a deletion process for deleting the product, which has been returned to the different location than the location from which the product was taken, from the shopping list.Type: GrantFiled: March 9, 2018Date of Patent: August 30, 2022Assignee: NEC CORPORATIONInventors: Kyota Higa, Emi Kitagawa